What monthly home payment can you comfortably afford?

Enter your income, monthly debts and available cash. In about two minutes, get a personalized planning range that includes principal, interest, taxes, insurance, PMI and HOA.

True monthly-cost estimatePersonalized price rangeNo pressure

Built for Philly-area first-time buyers By Steve Buzogany, REALTOR® • Keller Williams Empower

True Monthly Home Budget Calculator

Find your comfortable range.

This is a planning tool — not a pre-approval. Use your real numbers, then adjust the assumptions if you want.

Annual household income before taxes

Monthly debt payments car, student loans, cards, etc.

Cash available for your purchase

Where are you planning to buy?

Estimated comfortable monthly housing budget

$—

Enter income + monthly debts to see your planning range.

Down payment

Monthly HOA optional

Mortgage interest rate editable planning assumption

When would you like to buy?

Advanced planning assumptions

Property-tax estimate % of price / year

Homeowners-insurance estimate % / year

PMI estimate % / year when under 20% down

Reserve buffer kept after closing

Free estimate • Takes about 2 minutes • Phone number optional

Educational planning estimate only. Taxes, insurance, mortgage insurance, rates and lender qualification can vary significantly by property, loan program and borrower profile.

Your comfortable target purchase-price range$0 – $0

Illustrative monthly housing range$0 – $0

Estimated cash-to-close range$0 – $0

Down payment used0%

Interest-rate assumption0%

Property-tax assumption0%

Homeowners-insurance assumption0%

PMI assumption0%

Monthly HOA used$0

Best next step: compare this planning range against real lender pricing. A lender will determine actual qualification, rate, mortgage insurance and loan options for your specific situation.

True monthly costP&I + taxes + insurance + PMI + HOA

First-time buyer focusedPlain-English estimate

REALTOR® guidanceSteve Buzogany

No pressureUse the tool, keep the clarity

Quick answers.

How is my comfortable monthly budget calculated?

The tool uses a planning guideline based on gross monthly income and existing monthly debt, then models a range rather than presenting a single “maximum” number. It is not a lender underwriting decision.

What is included in the monthly housing estimate?

Modeled principal and interest, property taxes, homeowners insurance, applicable PMI and any HOA amount you enter.

Why can I edit the rate, taxes, insurance and PMI?

Because those costs vary. The defaults are planning placeholders, not promises. Adjust them when you have better property-specific or lender-specific numbers.

Is this a mortgage pre-approval?

No. This is an educational planning tool. A lender determines actual loan eligibility, rate, loan program, mortgage insurance, final payment and cash-to-close.

What happens after I enter my information?

You'll see your detailed estimate immediately. Steve may also follow up with relevant first-time-buyer guidance based on the numbers, county and timeline you entered.